Can I retire at age 30 with 10,200,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $10,200,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$842,306$834,804$827,484$820,339$813,362$794,991
2 years$416,983$409,217$401,691$394,394$387,315$368,906
3 years$275,228$267,428$259,921$252,692$245,729$227,855
4 years$204,364$196,588$189,156$182,050$175,256$158,056
5 years$161,856$154,127$146,793$139,832$133,227$116,748
6 years$133,527$125,857$118,630$111,825$105,418$89,678
7 years$113,300$105,694$98,582$91,937$85,733$70,735
8 years$98,137$90,599$83,606$77,124$71,124$56,862
9 years$86,349$78,883$72,009$65,692$59,896$46,360
10 years$76,925$69,532$62,779$56,628$51,035$38,210
11 years$69,219$61,900$55,270$49,283$43,892$31,760
12 years$62,802$55,558$49,051$43,228$38,036$26,579
13 years$57,377$50,208$43,824$38,164$33,168$22,365
14 years$52,730$45,638$39,376$33,877$29,075$18,903
15 years$48,707$41,691$35,551$30,213$25,600$16,036
16 years$45,190$38,251$32,232$27,052$22,625$13,646
17 years$42,090$35,227$29,330$24,306$20,061$11,641
18 years$39,337$32,552$26,775$21,905$17,837$9,953
19 years$36,878$30,169$24,511$19,793$15,899$8,525
20 years$34,667$28,034$22,495$17,926$14,201$7,313
21 years$32,669$26,113$20,691$16,269$12,708$6,282
22 years$30,855$24,375$19,070$14,792$11,391$5,402
23 years$29,201$22,798$17,608$13,472$10,225$4,649
24 years$27,688$21,360$16,284$12,287$9,191$4,005
25 years$26,297$20,045$15,082$11,221$8,270$3,453
26 years$25,016$18,839$13,988$10,260$7,450$2,978
27 years$23,831$17,730$12,989$9,391$6,716$2,570
28 years$22,734$16,707$12,075$8,604$6,060$2,219
29 years$21,713$15,761$11,237$7,890$5,472$1,917
30 years$20,763$14,885$10,467$7,241$4,945$1,656
31 years$19,875$14,071$9,758$6,651$4,470$1,431
32 years$19,045$13,314$9,104$6,112$4,044$1,237
33 years$18,267$12,609$8,501$5,621$3,660$1,070
34 years$17,536$11,950$7,943$5,172$3,313$925
35 years$16,848$11,334$7,426$4,761$3,001$800
36 years$16,200$10,758$6,947$4,384$2,719$692
37 years$15,588$10,218$6,502$4,040$2,464$599
38 years$15,010$9,710$6,089$3,723$2,234$518
39 years$14,463$9,234$5,704$3,433$2,026$448
40 years$13,945$8,785$5,347$3,167$1,838$388
41 years$13,453$8,363$5,014$2,922$1,667$336
42 years$12,986$7,964$4,703$2,696$1,513$291
43 years$12,542$7,588$4,413$2,489$1,373$252
44 years$12,119$7,233$4,142$2,298$1,246$218
45 years$11,716$6,898$3,890$2,122$1,131$188
46 years$11,332$6,580$3,653$1,961$1,027$163
47 years$10,965$6,279$3,432$1,811$933$141
48 years$10,615$5,994$3,225$1,674$847$122
49 years$10,279$5,724$3,032$1,547$769$106
50 years$9,959$5,468$2,850$1,430$699$92

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $10,200,000, adding $2,960 every year, while hoping to spend $34,922 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 71/15/14 Blend
29$10,200,000$10,200,000$10,200,000$10,200,000
30$11,243,453$10,702,853$10,544,753$12,006,659
31$12,353,129$11,190,136$10,860,846$13,000,697
32$13,574,821$11,700,126$11,186,357$14,084,017
33$14,919,918$12,233,898$11,521,565$15,269,040
34$16,400,970$12,792,579$11,866,758$16,565,804
35$18,031,804$13,377,351$12,222,230$17,985,358
36$19,827,659$13,989,451$12,588,285$19,539,861
37$21,805,324$14,630,178$12,965,237$21,242,700
38$23,983,301$15,300,891$13,353,406$23,108,613
39$26,381,977$16,003,015$13,753,125$25,153,823
40$29,023,819$16,738,042$14,164,734$27,396,191
41$31,933,581$17,507,538$14,588,585$29,855,385
42$35,138,543$18,313,144$15,025,040$32,553,059
43$38,668,764$19,156,578$15,474,468$35,513,056
44$42,557,370$20,039,643$15,937,255$38,761,633
45$46,840,862$20,964,226$16,413,793$42,327,704
46$51,559,463$21,932,306$16,904,489$46,243,111
47$56,757,498$22,945,959$17,409,759$50,542,921
48$62,483,810$24,007,358$17,930,033$55,265,754
49$68,792,223$25,118,783$18,465,754$60,454,146
50$75,742,049$26,282,622$19,017,375$66,154,946
51$83,398,647$27,501,379$19,585,366$72,419,753
52$91,834,041$28,777,680$20,170,208$79,305,405
53$101,127,601$30,114,273$20,772,398$86,874,506
54$111,366,788$31,514,045$21,392,445$95,196,015
55$122,647,984$32,980,016$22,030,876$104,345,895
56$135,077,398$34,515,357$22,688,230$114,407,823
57$148,772,071$36,123,387$23,365,063$125,473,978
58$163,860,978$37,807,590$24,061,950$137,645,905
59$180,486,251$39,571,614$24,779,477$151,035,467
60$198,804,512$41,419,287$25,518,253$165,765,901
61$218,988,358$43,354,618$26,278,901$181,972,972
62$241,227,989$45,381,813$27,062,062$199,806,249
63$265,733,001$47,505,279$27,868,399$219,430,515
64$292,734,367$49,729,637$28,698,590$241,027,314
65$322,486,615$52,059,732$29,553,335$264,796,656
66$355,270,232$54,500,641$30,433,355$290,958,905
67$391,394,313$57,057,690$31,339,389$319,756,847
68$431,199,476$59,736,459$32,272,201$351,457,977
69$475,061,077$62,542,801$33,232,575$386,357,017
70$523,392,759$65,482,850$34,221,318$424,778,691
71$576,650,349$68,563,038$35,239,261$467,080,779
72$635,336,166$71,790,109$36,287,258$513,657,492
73$700,003,762$75,171,131$37,366,188$564,943,180
74$771,263,147$78,713,518$38,476,957$621,416,424
75$849,786,549$82,425,041$39,620,495$683,604,545
76$936,314,755$86,313,846$40,797,760$752,088,573
77$1,031,664,113$90,388,478$42,009,738$827,508,721
78$1,136,734,231$94,657,892$43,257,443$910,570,417
79$1,252,516,473$99,131,479$44,541,918$1,002,050,953
80$1,380,103,317$103,819,085$45,864,236$1,102,806,811
81$1,520,698,670$108,731,034$47,225,502$1,213,781,736
82$1,675,629,230$113,878,151$48,626,852$1,336,015,631
83$1,846,357,015$119,271,784$50,069,455$1,470,654,363
84$2,034,493,162$124,923,833$51,554,514$1,618,960,567
85$2,241,813,141$130,846,777$53,083,265$1,782,325,546
86$2,470,273,509$137,053,697$54,656,983$1,962,282,395
87$2,722,030,392$143,558,313$56,276,977$2,160,520,458
88$2,999,459,829$150,375,007$57,944,593$2,378,901,254
89$3,305,180,213$157,518,864$59,661,218$2,619,476,040
90$3,642,077,003$165,005,697$61,428,277$2,884,505,153
91$4,013,329,971$172,852,089$63,247,238$3,176,479,331
92$4,422,443,217$181,075,430$65,119,609$3,498,143,209
93$4,873,278,251$189,693,953$67,046,942$3,852,521,202
94$5,370,090,453$198,726,777$69,030,835$4,242,946,046
95$5,917,569,241$208,193,951$71,072,930$4,673,090,227
96$6,520,882,346$218,116,497$73,174,916$5,147,000,635
97$7,185,724,601$228,516,461$75,338,531$5,669,136,742
98$7,918,371,702$239,416,959$77,565,563$6,244,412,675
99$8,725,739,458$250,842,232$79,857,852$6,878,243,583
100$9,615,449,081$262,817,700$82,217,288$7,576,596,727